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©THEInsuranceAdvisor.COM, Inc. (TIA). All rights reserved. PO Box 272358, Tampa, FL 33688. TIA is a provider of insurance product research, and does not sell or otherwise distribute any financial products, and does not endorse any broker/dealer, financial planner, registered representative, insurance professional, insurance product, or insurance company, including any that may be mentioned herein. The information, data, analysis and opinions contained herein include the confidential, proprietary, patented (U.S. Patent #6,456,979 & #7,698,158) and/or copyrighted (Insurance Banking® is a registered trademark of THEInsuranceAdvisor.COM Holdings, Inc) material of TIA and may not be copied or redistributed. Much of TIA intellectual property has been created and/or invented by TIA's founder - Barry D. Flagg, CFP®, CLU, ChFC - often employing generally-accepted actuarial-principles and mathematical-algorithms, and a consistent and objective rules set, which like all ratings systems rely on certain judgmental techniques, and which are fully disclosed, and with which certain insurance professionals may disagree. Because any evaluation of a variable life product presented by any registered representative pursuant to the purchase of such product presents the potential for a conflict of interest, it is important to understand the methodology behind any such evaluation and the relationship between the evaluator and the registered representative. To the extent any TIA material is used as supplemental sales literature for a variable product, it must be accompanied by the name of the registered representative; the name of the broker/dealer through which the policy is being offered; as well as a prospectus, disclosure statement, complete and compliant illustration of hypothetical policy values, and any other supplemental materials necessary to provide a fair and balanced presentation of all policy features. Nothing contained in this e-newsletter/web page is to be considered as a rendering of legal, tax or investment advice for specific cases, and readers/visitors are responsible for obtaining such advice from their own legal, tax and investment counsel. This e-newsletter/web page is intended for educational and informational purposes only. Accordingly, no representations or warranties are made by anyone, including, without limitation, THEInsuranceAdvisor.COM (TIA) and/or any TIA Insurance Banking Centers®, as to the validity or effectiveness of the legal or tax conclusions, analysis, opinions, and planning ideas expressed in this e-newsletter. Any and all liability whatsoever that may arise in connection with anything contained herein is hereby disclaimed.